9卷 第1期
Huazhong University of Science and Technology
纸质出版日期：2025-01-21
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(2025). How does smart city building affect bank risk-taking?. 发展经济学, 9(1), 76-81.
Ning Ye.How does smart city building affect bank risk-taking?[J].Development Economics of China,2025,09(01):76-81.
(2025). How does smart city building affect bank risk-taking?. 发展经济学, 9(1), 76-81. DOI： 10.47297/wspdecWSP2515-797315.20250901.
Ning Ye.How does smart city building affect bank risk-taking?[J].Development Economics of China,2025,09(01):76-81. DOI： 10.47297/wspdecWSP2515-797315.20250901.
The smart city pilot work opened in 2012 has had a profound impact on the intelligence of bank risk management. This paper uses city as well as bank-level panel data from 2010-2023 to build a multi-temporal DID model to analyze the impact of smart city construction on bank risk-taking. The benchmark regression illustrates that smart city construction can significantly reduce bank risk-taking. This conclusion still holds after a series of robustness tests. The mechanism analysis shows that smart city construction effectively suppresses bank risk-taking by improving bank operational efficiency and reducing bank loan concentration. This study can provide an important reference for the government to formulate effective financial policies and economic interventions in the context of smart city construction.
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